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What the M

By: Kent D. McPhail and Stephen M. Hladik
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  • Summary

  • Do you ever wonder who is behind the scenes collecting and processing all those monthly mortgage payments throughout the entire country? In the world of residential mortgages, the mortgage servicing industry is a critical but not always visible player in the lending and home ownership process. Unveiling how mortgage servicers manage the residential homeownership industry is the concept behind “What the M,” a new podcast that discusses the complex issues facing default services and the path forward for the mortgage industry and homeowners alike. The industry is comprised of more than 160 mortgage servicers representing more than 80% of the outstanding principal balances on mortgages in the U.S. Without the involvement of these vital mortgage servicers, obtaining and maintaining a home mortgage as we know it would not exist.“‘What the M’ features industry movers and shakers discussing the challenges faced by mortgage servicers, law firms and the American homeowner,” said Stephen Hladik, one of the co-hosts for the podcast and chair of the Advisory Council of the Legal League 100. “We will discuss trends in the economy, regulatory oversight, changes in the law, changes in technology and a myriad of other factors affecting the industry.”Hladik and co-host Kent McPhail are experienced attorneys with multistate practices in the default servicing industry. Both have decades of experience representing secured creditors; however, each host brings his own unique perspective to the podcast. McPhail hails from the Deep South (think boiled peanuts and shrimp & grits), while Hladik hails from the Northeast (think cheesesteaks and scrapple). “With this Yin and Yang, we hope to bring an entertaining and informative approach to the industry and those who make it hum,” McPhail said.Episodes of “What the M” begin airing mid-September and can be found wherever you listen to podcasts.
    © 2024 What the M
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Episodes
  • Episode 36 - Steve Paton

    Episode 36 - Steve Paton
    May 10 2024

    It’s that time again… for a new episode of What the M! This week, Kent and Steve interview Steve Paton, CEO of Universal Component Lender Services (UCLS).

    Steve has a Bachelors of Science in Business Administration and Finance from Sacramento State University. He has held senior leadership positions at JP Morgan Chase, Marix Servicing, Carrington Mortgage Services, and SingleSource Property Solutions. He then founded Distinguished Mortgage Services before moving to his current position as Chief Executive Officer of UCLS.

    Steve’s 30+ years in the default servicing industry has given him invaluable insight into the complexity and gravity of servicers’ responsibilities, and he is graciously sharing that insight with us today.

    Welcome to What the M, Steve!

    You can listen to What the M at the link below, or wherever you listen to podcasts!

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    A huge thank you to our Season 2 sponsor, Guardian Asset Management - Guardian Asset Management is THE one-stop shop for lenders, servicers, hedge funds, residential and commercial property investors, and government entities that need a full suite of property management solutions under one roof.
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    35 mins
  • Episode 35 - Cesar Hernandez

    Episode 35 - Cesar Hernandez
    Apr 29 2024

    It’s that time again… for a new episode of What the M! This week, Kent and Steve interview Cesar Hernandez, CEO of Agility 360.

    Cesar received his Bachelor of Science from the Wharton School of Business at the University of Pennsylvania, and has now been in the mortgage and default servicing industry for nearly three decades. He began his career as an Asset Manager at Goldman Sachs. He then became the Chief Administrative Officer and Board Member at Wingspan Portfolio Advisors, where his functions and responsibilities included corporate development, client management, vendor management, compliance, operational efficiency, and corporate financial planning and forecasting. Cesar also has extensive experience deploying and managing large outsourcing relationships in the banking, real estate, energy, healthcare, and technology industries. Since founding Agility 360, Cesar has served as its Chief Executive Officer for the past ten years.

    Cesar’s 28-year history in the default servicing industry has given him invaluable insight into the past, present, and future of mortgage-related finance, and he is graciously sharing that insight with us today.

    Welcome to What the M, Cesar!


    ***************************************************

    A huge thank you to our Season 2 sponsor, Guardian Asset Management -

    Guardian Asset Management is *the* one-stop shop for lenders, servicers, hedge funds, residential and commercial property investors, and government entities that need a full suite of property management solutions under one roof.
    Show More Show Less
    38 mins
  • Episode 34 - Courtney Thompson

    Episode 34 - Courtney Thompson
    Apr 12 2024

    It’s that time again… for a new episode of What the M! This week, Kent and Steve interview Courtney Thompson, Executive Vice President and Head of Servicing at CMG Financial.

    Courtney has a BA from Western Michigan University and a JD from Michigan State University. She began her career at Maddin Hauser Roth & Heller, PC. She has been in the mortgage and default servicing industry for over 19 years and was the SVP of Servicing at Flagstar Bank and the Chief Product Officer at Sagent. She then founded Consigliera, a consulting firm for default servicers.

    A true innovator and self-confessed “participator,” Courtney is committed to developing large-scale strategies for the entire servicing industry. She believes strongly that a consumer-first strategy and transparency in the default mortgage servicing industry benefit investors, servicers, and consumers.

    Courtney’s vision for the default servicing industry is a true breath of fresh air, and her interview is a must-listen!

    Welcome to What the M, Courtney!

    ****************************************************

    A huge thank you to our Season 2 sponsor, Guardian Asset Management -

    Guardian Asset Management is *the* one-stop shop for lenders, servicers, hedge funds, residential and commercial property investors, and government entities that need a full suite of property management solutions under one roof.
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    37 mins
Economics
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